Billings
Billings, MT · Charter 887 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$216.1MAssets
$181.4MLoans
$185.6MShares
$25.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 44% of credit unions under $1B in assets (rank 938 of 1682).
- Widest gap: efficiency ratio trails 78% of credit unions under $1B in assets (rank 1321 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.46%
Rank 1,177 of 1,683
Net Interest Margin
3.51%
Rank 1,109 of 1,683
Efficiency Ratio
88.43%
Rank 1,321 of 1,682
Equity / Assets
11.73%
Rank 1,039 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,177 / 1,683 | | |
| Return on Equity | 3.90% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,107 / 1,681 | | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,109 / 1,683 | | |
| Efficiency Ratio | 88.43% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,321 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.26% | 0.65% | 1.29% | Beats 44% | 938 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,039 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.73% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,039 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.73% | 52.61% | 69.38% | 83.50% | 95th pctl | 81 / 1,683 | | |
| Loans / Assets | 83.93% | 44.71% | 59.18% | 70.72% | 96th pctl | 62 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |